How is Zomia currently funding its loans and operations?

A small group of team members, family, and friends provided Zomia’s startup and loan capital during its first two years of operations. Since then, a bulk of the student loan funding has been provided by individual and institutional lenders. Student overpayments (a form of interest) are used in part to cover loan administration costs, but over time Zomia will add other revenue-generating services and investment to help cover operational expenses.